The are a couple different ways of comparing rates and find the best price. One of the best ways to find the lowest rates is to get quotes online. This can be done in a couple of different ways.
One of the simplest ways to find low rates is to use a rate comparison form (click to open form in new window). This method eliminates the need for boring form submissions for each company you want a rate for. A single form gets rate comparisons . Recommended for those who want to invest the least amount of time.
A less efficient way to compare prices requires a visit to the website of each company to complete a price quote. For example, we’ll assume you want to compare GEICO, Liberty Mutual and GMAC. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.
To view a list of companies in Fort Collins, click here.
The most time-consuming method to get comparison rates is to spend time driving to and from local Fort Collins insurance agencies. Buying insurance online can eliminate the need for a local agent unless you prefer the personal advice that only a license agent can provide. It is possible to find lower rates online and still use a local agent and we’ll touch on that later.
It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverages and limits for every quote you compare. If you are comparing mixed coverages it’s not possible to determine the best price for auto insurance in Fort Collins. Having just a slight variation in limits can mean a large discrepancy in price. And when comparison shopping, more quotes will improve the odds of getting the best price.
Companies that sell car insurance don’t list all available discounts in a way that’s easy to find, so the following is a list of both the well known and the more hidden discounts you could be receiving.
Drivers should understand that most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.
When it comes to buying the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.
For example, these questions can aid in determining whether you might need professional guidance.
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.
Even more information can be read at the Colorado DORA Division of Insurance website. Colorado consumers can discover disciplinary actions, learn about specific coverages, and file complaints about a company.